Girl I have started a “No-Spend Challenge “ this year and so far I have been able to catch up on some overdue bills and get current and put more towards savings!! It’s not as hard as I thought it would be 😊😊😊
I really liked that you mentioned “pausing” subscriptions vs cancelling them because I feel like a lot more people will actually take that action step now! Great suggestions 🙂
I have my yearly 2.5 % raise in april and my 3 % union agreement raise in june. I plan to not give myself these raises but instead increase my mortgage payoff by that 5.5 percent. 2.5 in april and 3 more in june.
Hi, I decided to do a no buy makeup this year, and to stop impulse spending. In fact, I want to be out of overdraft by April, which may be difficult after 6 years of always living paycheck to paycheck. I wrote the days of the month on a sheet of paper and I cross out each day I don't spend anything. For the moment it works. And I unsubscribe from many Instagram and RUclips channels not to be influenced. I hope I'll succeed. Thanks for your videos they're so helpful. Kisses from France.
I'm trying to save $20000 to go towards a down payment on a house. I'm doing a no buy clothing year, I actually made a budget for this month, and I'm sticking to it!
We have a change jar that we put loose change in. I’ve also put $5 in every Friday for just over 18 months. We decided to count it this weekend. To our amazement we had $810!
For the first time in a long time I'm watching one of your videos Lydia! Thank you so much for all you have taught me. I started following you 4 years ago and since went from being broke to being in control of my finances and plugging a lot of financial holes. I am so grateful! Happy new year!
This is a great video!! My husband thinks it’s too much work to think about every dollar we spend - so I asked for one week of “paying attention” and we both had urges - especially on Amazon. Neither of us purchased anything and after a week I added up what we saved by not making thought out purchases. It was almost $220. He couldn’t believe it. I’m slowly changing his attitude! 😊. And I’m one week Target sober! Haha.
I am doing a no spend year. I cancelled the internet and cable at my house saving 1,440.00 a year. That is going towards my house that I am paying off this year
Your videos motivate me a lot to keep my concious spending in check. I look forward to them every Monday. Last thing, thank you for making feel better about how to tackle budgeting and paying off debt!!!
I have a debit rewards card with my Credit Union, that rounds up to the nearest dollar, when I use it, and deposits those extra cents into my Savings account. Since I use my debit card during the week for groceries, gas and any staples we need, I end up on average saving at least $5 per week to that account. I, also, audited my accounts and my annual payroll benefits statement. I eliminated 2 or 3 subscriptions - Hulu, Pureflix and an AD&D policy through my credit union, that came out quarterly. I took my husband's jeep off our car insurance, since it's been broke down for several months and not looking like he's going to get it fixed anytime soon (it's an extra vehicle). I, also, eliminated some additional coverage I had on payroll deduction, since hubby now has his own insurance coverage through his employer. It's amazing how much money you can save each month just by doing exactly what you're talking about - auditing your finances and decluttering them from things that you no longer need!! Now that money goes toward debt payment on my snowball plan. :-)
Thank you for sharing Lydia. I appreciate your courage as not all will agree with your methods but that does not stop you from being passionate. Your videos cause me to think about a lot of things that I need to categorize as luxury verses necessity. Be encouraged and keep going.
Hi Lydia! I just wanted to tell you, something about the way you approach and say things just really clicks for me, even though I’m not in your boat. I’ve only been following your channel for a year or so but wanted to thank you for continuing to help and share ideas and what’s worked for you & your family. Happy new year!
Hi Lydia. Happy New Year. We are debt free (except for the house) as of Dec 31st! Between our budget, being frugal & meal planning it helped free up so much money to throw at our debt. 2020 is going to be all about building up our emergency fund.
Cheryl T. Thanks Cheryl. I love finding ways to save money, stay on budget & cook healthy meals. It all added up & now we’re debt free. 🙂 I’d love for you to check out my channel.
I usually host the family get togethers and the expense was on me. I added up the total from get togethers last year and my eyes are wide open now. Thank you for making me think of useless spending.
Yes! The free trial tip about putting it in your calendar to cancel it before it renews! We do that and it has been a game changer. They always used to get me & then I wouldn't notice until a few months later. I love your idea to give up just one thing for the year. I need to think about that one.
We are considering canceling Netflix too. We are like Lydia - finding ourselves watching the same shows - The Office!! The new stuff isn’t worth our time.
Great Ideas! We have cable and my hubby only pays for the football package during football season. We live a frugal life and watch where our money goes. I have a habit of writing down what I spend daily. I am getting ready to review last years spending and see where I can cut back. I have challenged myself not to buy anything this year, unless we need it. I have 2 credit cards (0% interest) 1 will be paid off in February and the other in August.
I got rid of cable and switched to Netflix and watch RUclips. I also rent a movie from redbox for a movie I want to see. I think Netflix is worth it. You may be a season behind like The Walking Dead,but it's worth it to me.
You can do it! I did it a few years ago and never looked back. I was spending SO much money on diet coke, it was embarrassing. If you can't go cold turkey, try cutting back little by little. Instead of 2 a day, only 1 a day, then every other day, then 3 times a week...you get the picture. Even if you have to go slowly and each step takes 2 weeks, then so be it. You'll reach your goal for sure! And you'll save a ton of money.
We made ourselves 12monthly challenges for 2020, including 2 no spend months, save 50% of all cash envelopes, no takeaways one month, no alcohol one month, no clothing one month.. etc, broken down we've found that super achievable in the past also - game changer... PAY YOUR SELF FIRST - was the no1 tip I was told afew years ago took us from saving not even 5% to saving 33% each single month on one income, it works!
I did a bit of a financial spring clean and tighten up yesterday and cancelled Netflix @ £5.99 pm. Then while looking through my account I noticed a random £15 monthly debit. On investigation I found that 3 months ago I'd inadvertently signed up for a direct debit shopping club bonus thing when I'd made an on line purchase...how did that happen??? So glad I did a review as that's £251.88 / $331.10 a year saved ! Not a small amount of money in my world.
You just reminded me to cancel not one but TWO free subscriptions trials that I signed up for, which would have been £45 by the end of this month. With nothing to show for it!! Thanks so much!! I’m so happy you made this video 😁😆
Really love your videos! Share them often! The big one you shared one time was using natural light and unplugging stuff when not using. Didnt realize how often I did that! But saved $25 (I live in the Philippines, so that is a lot of savings!) open all the curtains and only turn on my lights at night!
We cancelled Netflix two years ago, and took advantage of our free year of Disney+. I have also made it a goal to find what is cheaper at dollar tree. I’ve kept a log of what is regular there that I use and how much the unit price is, versus Walmart or target. Some stuff is cheaper at target! (I buy their brand of multipurpose cleaner for our bathroom). But I buy my dish soap (we don’t use a dishwasher) and our other small random things at dollar tree :)
Hi Lydia! Thanks for sharing these tips that you are using to save money. I can't wait to go on this journey with you as you are paying off your home. I agree it's those small behaviors that turn into habits. 2020 is going to be a great year!
I took out cash for a hockey game last night ended up getting treated which was not expected. So I am going to use the $40 I took out to stock up on groceries. I have found that if I have groceries that I actually like I am less likely to go out for lunch. Occasionally I will go out for Chinese at work(which I did yesterday) but if I would do it near my house it Would be double the cost and not as great quality. I am going to make breakfast burritos this weekend which will give me enough breakfasts for a month at work.
I have a written list of the shows , what subscription they’re on, and when they come out. I’ll subscribe for one month, watch what I want, then cancell. Not taking on new shows, and slowly whittling down when the show is cancelled.
Also me in my twenties 🙋🏼♀️🤦🏼♀️. Then I had babies and got my life together. I am not sure where I’d be without them. There is something about having a baby that makes you seek the answers to questions you never cared to ask before or problems you didn’t even realize you had.
I love your videos! I was wondering if you'd consider doing a video on staying motivated while saving for a house. I feel like no one really talks about how hard that is and there's not a lot out there. It's not even really a baby step. I paid off 70k in student loans this feels so much worse for some reason. Since I'm now saving about 19% to my 401k (trying to catch up) and it's going to take me 3 or 4 more years to have enough for a down payment. It's just me in my household and it seems like such a long journey and so far off. Thank you!
Actually STICKING to the grocery list rather than going off it with impulse buys and increasing the grocery bill. My biggest weakness. I think I also might need to try the curbside pickup to save more time and money 🤔
Angela Hay it seriously helps so much. You set the budget and delete things as needed or can easily price compare to keep yourself on point and it’s nice to be able to look in the fridge and pantry to see what you already have
I looked back at what we were spending at Dollar General the last three months and was shocked!!! Just running in to pick up a couple things ended up buying more really added up. I had absolutely no idea! That will stop in 2020.
I think I mention to you , I'm trying to do a no spend year on anything that is not related to the house and house expenses. I did a no spend year the same year you did on close and still am not buying. I'm going to wear out shoes and clothes before I purchase another thing. I make my clothes trendy just by switching things up. I'm also going through the kitchen and getting rid of all those gadgets that I've been gifted that I never use. Anything gifted that I have not used I'm donating to Salvation Army. I want to at the end of this journey have more money, less things and more piece of mind. Does that make sense? I'm still posting on my posh all those bags of clothing I told you about. Some of my earrings yes will go back to sourcing but it will be from yard sales, American cancer society( they have great donors all sizes and dollar sales, they wash and steam all clothing, love that store for sourcing) and goodwill outlets. I'm not going crazy either. It's all so nicely organized on the cheap all of my supplies have been free, so I'm hoping I can accomplish all. 🙏🏼🙏🏼🙏🏼🙏🏼🙏🏼
I challenged myself to start the first 3 months of the new year and decade as Spend-Free!!! I have told several people so they can ask me about it and keep me legit!!!
Netflix can be split here between four users. Is that the same in the US? If you still wanted to keep it but wanted to save a little then you can split the cost. So we pay £3 per month for Netflix because we share with others.
I cancelled Netflix also because I had watched all the same shows over and over plus it seems to keep creeping up in price . I heard on a money podcast to check into seeing if you can cancel like Netflix for a month and use Hulu then the next month pay for Netflix and just go back and forth each month so you have what you like but spread the money out. I am thinking about doing this Purflex and Frendly subscription. I am also making my own planner because though I really like a new planner I don’t use it to the fullest so I started around August searching for free printable to fill my planner. I am almost done with it but I think I will use a lot kore this year and the best thing is I haven’t spent a penny to get it... okay I have instant ink so I spent that but I have taken that subscription down a little too.
"By the time Monday rolls around you have no more money." Yes! That's such a vicious cycle! You're broke so when you finally get paid you go on a spending spree....and then you're broke.....
I totally love Netflix, and my brother is kindly paying for it, and lets me borrow so no expense there. Well he lives in a flat that belongs to me for half price... we help each other in lots of ways. I have always wanted to sign up for audible but bo way I am spending 10$ a month for reading... I always get my ebooks for free. But I have cut my houskeeper (needed her during a long disease but not so much now) and send that mony straight to saving. I make a budget with my bills, needs and an allowance so I know how much I can save each month and I set an order for the bank to transfer that amount into savings. Sometimes I need to use that money again when something happens but most of the time it is just relaxing and watching it grow. That way I got to pay my apartment in cash!
I cancelled Amazon bc once I looked into it and what I didn't saved it was crazy how much I spent for just having amazon..we didn't use the movie or music it was just to get free shipping and not worth it..and now I can't stop and click..Happy New year
This year I am going to save half my yearly income. I know it will be hard but I actually think I can do it 😰 can you please do a video on things that give you points or money back please
52 week challenge. So many variations out there. Last year I did the original one with a savings of just under $1400 and it wasn't that bad! This year I'm trying the $3000 dollar challenge. EEEK! If I don't make it, I'll jump back to the regular one at whatever week I'm at so at least I will have saved extra money. It's definitely hard because I still put aside the same amount every month that I always have, and I do have to give up some things, but totally worth it in the end.
😀I love mama doctor Jones. I canceled my amazon prime subscription this morning around 3am when I couldn't sleep. That was our only subscription. Last year we had hulu for 99 cents a month. But when that promo ran out and went to $5.99 I canceled it bc we never use it.
my "small" actionable step isn't for the purpose of saving money, but is having my girlfriend move into my super low cost home with me, thus reducing my home-related expenses by about half, and increasing how much I can have in savings by almost three times what it is while I live alone, so the money I will save on home related expenses will naturally be going straight into savings. also, idk if you recall, last year when my income went up at the start of the new financial year, I set it up so the amount it increased by went straight into savings. I have not missed the income increase, so when it increases again this coming financial year, I will set it up so that THAT increase goes into savings too!
I thought the National Championship game was the 6th too. LOL Last year it was the Monday after New Year's. However I was corrected that it is the 13th. SO hope you didn't cancel!!!! LOL
@@TheRealLydiaSenn I thought it was the 6th because I had pics in my TImehop from the 6th last year. LOL Then I found out this year it was the 2nd week. Who are you for? I am a BAMA girl so I don't really care this year. :(
I don't have netflix but i do have amazon prime and i really think when it comes up for renewal, i am going to let it drop. (I set it to remind me in advance.) I had started a sinking fund for it this year and ugh, it just aggravates me to think of putting money in there instead of like my car repair/maintenance fund. I survived without two day shipping in the past. I can do it again. :)
Oh my gosh. 🤦 I want to cut out subscriptions/ entertainment. Not Netflix.... I am not a monster. 😜 But we have a bunch of movie channels that are subscribed to in addition to Netflix and Hulu and Amazon prime. Plus we have regular cable. the husband isn't on board with us cutting that so I need to find a nice way to just pick a couple so that we don't have an insane amount of money you going to entertainment. Like we probably have 350 going to movies and shows each month. I don't even know the exact figure. I grew up with five channels on my tv. I'm perfectly fine not having a bunch of stuff the kids definitely likes her shoes but even if we went down to internet only they could still watch stuff. Hopefully I can get the husband on board someday.
Thanks so much for sharing love your channel! Your hair looks awesome too! Different color? Makes your eyes pop! Would you be willing to share in a video about starting your you tube channel? Would luv to share our journey too im so inspired by everyone in the debt free community but nervous about trying it out.
I cancelled so much! I have almost $1200 in savings for the year. MY HUGE goal is not buying for my classroom! That is up to $800.00 so far and I haven't hit all my receipts!
You’re doing the best you can with what you have. It sounds like you need to increase your income. I know that sounds frustrating but if there is no extra, there is just no extra.
Girl I have started a “No-Spend Challenge “ this year and so far I have been able to catch up on some overdue bills and get current and put more towards savings!! It’s not as hard as I thought it would be 😊😊😊
Hope Britton That’s amazing!! And it just gets better as you go.
I really liked that you mentioned “pausing” subscriptions vs cancelling them because I feel like a lot more people will actually take that action step now! Great suggestions 🙂
I’m so impressed you’ll have your house paid off- that’s my goal!!!
I just turned 20 and I already have a 2 month emergency fund 6-12 months is the goal.
Rylie VanWinkle -you’re ahead of the game. Stay focus on the narrow road of being debt free.
I have my yearly 2.5 % raise in april and my 3 % union agreement raise in june. I plan to not give myself these raises but instead increase my mortgage payoff by that 5.5 percent. 2.5 in april and 3 more in june.
Hi, I decided to do a no buy makeup this year, and to stop impulse spending. In fact, I want to be out of overdraft by April, which may be difficult after 6 years of always living paycheck to paycheck. I wrote the days of the month on a sheet of paper and I cross out each day I don't spend anything. For the moment it works. And I unsubscribe from many Instagram and RUclips channels not to be influenced. I hope I'll succeed. Thanks for your videos they're so helpful. Kisses from France.
Flo VD you can do it! Just think of it as what you are gaining instead of what might fell you are losing.
I’m saving money for January by eating up what we have and buying only the necessities.
I'm trying to save $20000 to go towards a down payment on a house. I'm doing a no buy clothing year, I actually made a budget for this month, and I'm sticking to it!
Not buy anything until it's completely used up and needed again. Going good so far
hulda2002 Oh! This is a good idea!! I think I’ll do this one too! ...and cancel all subscriptions I don’t use.
I just started to look into all those little hidden and forgotten fees! It really does add up!
That’s why I cancelled my Netflix and Hulu. I watched everything I wanted and now I’m waiting for new seasons.
We have a change jar that we put loose change in. I’ve also put $5 in every Friday for just over 18 months. We decided to count it this weekend. To our amazement we had $810!
How fun!
Kim Rhodes. Awesome!
For the first time in a long time I'm watching one of your videos Lydia! Thank you so much for all you have taught me. I started following you 4 years ago and since went from being broke to being in control of my finances and plugging a lot of financial holes. I am so grateful! Happy new year!
This video came around at the correct time, as I literally went through my bank statements & cancelled subscriptions.
Greetings from South Africa
This is a great video!! My husband thinks it’s too much work to think about every dollar we spend - so I asked for one week of “paying attention” and we both had urges - especially on Amazon. Neither of us purchased anything and after a week I added up what we saved by not making thought out purchases. It was almost $220. He couldn’t believe it. I’m slowly changing his attitude! 😊. And I’m one week Target sober! Haha.
Debbie Williams - This Canadian really misses Target. Love that store!
I started a saving challenge: $10,000 by the end of the year. BS3.
You can do it.
Sho- we plan on finishing baby step 3 this year too👍😁
My goal too, save $5000 by end of 2020. 👍🏻
I am doing a no spend year. I cancelled the internet and cable at my house saving 1,440.00 a year. That is going towards my house that I am paying off this year
Hi Lydia. Transfer to savings 👍 Adding note to remind what it was 👍 Adding up what the small "it's only .." over a year, wow 👍 Thanks for sharing.
Thank you
Your videos motivate me a lot to keep my concious spending in check. I look forward to them every Monday. Last thing, thank you for making feel better about how to tackle budgeting and paying off debt!!!
Thank you so much. You’re doing great.
I have a debit rewards card with my Credit Union, that rounds up to the nearest dollar, when I use it, and deposits those extra cents into my Savings account. Since I use my debit card during the week for groceries, gas and any staples we need, I end up on average saving at least $5 per week to that account.
I, also, audited my accounts and my annual payroll benefits statement. I eliminated 2 or 3 subscriptions - Hulu, Pureflix and an AD&D policy through my credit union, that came out quarterly. I took my husband's jeep off our car insurance, since it's been broke down for several months and not looking like he's going to get it fixed anytime soon (it's an extra vehicle). I, also, eliminated some additional coverage I had on payroll deduction, since hubby now has his own insurance coverage through his employer. It's amazing how much money you can save each month just by doing exactly what you're talking about - auditing your finances and decluttering them from things that you no longer need!! Now that money goes toward debt payment on my snowball plan. :-)
Thank you for sharing Lydia. I appreciate your courage as not all will agree with your methods but that does not stop you from being passionate. Your videos cause me to think about a lot of things that I need to categorize as luxury verses necessity. Be encouraged and keep going.
Put everything on auto pay, auto saving is the best
Hi Lydia! I just wanted to tell you, something about the way you approach and say things just really clicks for me, even though I’m not in your boat. I’ve only been following your channel for a year or so but wanted to thank you for continuing to help and share ideas and what’s worked for you & your family. Happy new year!
We found we were paying for Hulu and HBO NOW.....well after the free trial period 🙄🤦♀️. They are now cancelled.
Hi Lydia. Happy New Year. We are debt free (except for the house) as of Dec 31st! Between our budget, being frugal & meal planning it helped free up so much money to throw at our debt. 2020 is going to be all about building up our emergency fund.
That’s amazing
How Debbie Saves. Awesome!
Cheryl T. Thanks Cheryl. I love finding ways to save money, stay on budget & cook healthy meals. It all added up & now we’re debt free. 🙂 I’d love for you to check out my channel.
I usually host the family get togethers and the expense was on me. I added up the total from get togethers last year and my eyes are wide open now. Thank you for making me think of useless spending.
@sinopa27, start making it a potluck so u can spend time with the family still or share the cost with the family.
Yes! The free trial tip about putting it in your calendar to cancel it before it renews! We do that and it has been a game changer. They always used to get me & then I wouldn't notice until a few months later.
I love your idea to give up just one thing for the year. I need to think about that one.
Just cancelled netflix as well. It's a huge waste of money these days, no good new shows or movies.
We are considering canceling Netflix too. We are like Lydia - finding ourselves watching the same shows - The Office!! The new stuff isn’t worth our time.
Yes I agree!
I just cancelled our Netflix too after watching this video.
Great Ideas! We have cable and my hubby only pays for the football package during football season. We live a frugal life and watch where our money goes. I have a habit of writing down what I spend daily. I am getting ready to review last years spending and see where I can cut back. I have challenged myself not to buy anything this year, unless we need it. I have 2 credit cards (0% interest) 1 will be paid off in February and the other in August.
I got rid of cable and switched to Netflix and watch RUclips. I also rent a movie from redbox for a movie I want to see. I think Netflix is worth it. You may be a season behind like The Walking Dead,but it's worth it to me.
I'm going to try to give up soda pop this year,it will be tough but I can do it!
You can do it! I did it a few years ago and never looked back. I was spending SO much money on diet coke, it was embarrassing. If you can't go cold turkey, try cutting back little by little. Instead of 2 a day, only 1 a day, then every other day, then 3 times a week...you get the picture. Even if you have to go slowly and each step takes 2 weeks, then so be it. You'll reach your goal for sure! And you'll save a ton of money.
Yes! Sunflower Fields is right!
I need to do this. Reading this let's me now I really have to quit.
Good for you!!! It's like drinking poison in a can/bottle.
We made ourselves 12monthly challenges for 2020, including 2 no spend months, save 50% of all cash envelopes, no takeaways one month, no alcohol one month, no clothing one month.. etc, broken down we've found that super achievable in the past also - game changer... PAY YOUR SELF FIRST - was the no1 tip I was told afew years ago took us from saving not even 5% to saving 33% each single month on one income, it works!
Some libraries have audible services you can use for free with your library card.
I did a bit of a financial spring clean and tighten up yesterday and cancelled Netflix @ £5.99 pm. Then while looking through my account I noticed a random £15 monthly debit. On investigation I found that 3 months ago I'd inadvertently signed up for a direct debit shopping club bonus thing when I'd made an on line purchase...how did that happen??? So glad I did a review as that's £251.88 / $331.10 a year saved ! Not a small amount of money in my world.
You just reminded me to cancel not one but TWO free subscriptions trials that I signed up for, which would have been £45 by the end of this month. With nothing to show for it!! Thanks so much!! I’m so happy you made this video 😁😆
you are so right! It's the little things we spend on that all add up at the end of the month! :) Thanks for sharing!
Oh Lydia! You are such a gem! I just love you! Thanks for the great advice!
Yea!! I love your long videos! You are so encouraging !! 😊
Thank you
Really love your videos! Share them often! The big one you shared one time was using natural light and unplugging stuff when not using. Didnt realize how often I did that! But saved $25 (I live in the Philippines, so that is a lot of savings!) open all the curtains and only turn on my lights at night!
We cancelled Netflix two years ago, and took advantage of our free year of Disney+. I have also made it a goal to find what is cheaper at dollar tree. I’ve kept a log of what is regular there that I use and how much the unit price is, versus Walmart or target. Some stuff is cheaper at target! (I buy their brand of multipurpose cleaner for our bathroom). But I buy my dish soap (we don’t use a dishwasher) and our other small random things at dollar tree :)
Gonna ditch Netflix and coffee. I got a bunch of coffee from my son for Christmas, so I have to use up that stash....but after that, no java.
Hi Lydia! Thanks for sharing these tips that you are using to save money. I can't wait to go on this journey with you as you are paying off your home. I agree it's those small behaviors that turn into habits. 2020 is going to be a great year!
I took out cash for a hockey game last night ended up getting treated which was not expected. So I am going to use the $40 I took out to stock up on groceries. I have found that if I have groceries that I actually like I am less likely to go out for lunch. Occasionally I will go out for Chinese at work(which I did yesterday) but if I would do it near my house it Would be double the cost and not as great quality. I am going to make breakfast burritos this weekend which will give me enough breakfasts for a month at work.
I have already cut out the excess, But I am starting out January as a NO buy month, so far so good. I only have bought essentials, just food!
🤣🤣🤣🤣🤣🤣 my hubby and I have the office and parks and recs on loop too
I love that auto transfer idea!!
Love this. I have saved $60 in 4 days doing this! Would have spent on nothing, so saving it is noticeable!
I have a written list of the shows , what subscription they’re on, and when they come out. I’ll subscribe for one month, watch what I want, then cancell. Not taking on new shows, and slowly whittling down when the show is cancelled.
Smart
Ah! I loved your Momma Doctor Jones reference! (You're tips were great too 😁)
She’s the best.
We just canceled Netflix.
Also me in my twenties 🙋🏼♀️🤦🏼♀️. Then I had babies and got my life together. I am not sure where I’d be without them. There is something about having a baby that makes you seek the answers to questions you never cared to ask before or problems you didn’t even realize you had.
The office and “parks and recreation” are the best! But we may cancel Netflix cause that’s all we really watch.
I love your videos! I was wondering if you'd consider doing a video on staying motivated while saving for a house. I feel like no one really talks about how hard that is and there's not a lot out there. It's not even really a baby step. I paid off 70k in student loans this feels so much worse for some reason. Since I'm now saving about 19% to my 401k (trying to catch up) and it's going to take me 3 or 4 more years to have enough for a down payment. It's just me in my household and it seems like such a long journey and so far off. Thank you!
I’m honestly going to do the online thing I keep clicking and buying stuff on Facebook, Instagram etc so be a great place for me to start x
We just cancelled Hayu as I haven't been watching it. Will re-sign up in June when my shows come back on. Great tips!
Actually STICKING to the grocery list rather than going off it with impulse buys and increasing the grocery bill. My biggest weakness. I think I also might need to try the curbside pickup to save more time and money 🤔
Angela Hay it seriously helps so much. You set the budget and delete things as needed or can easily price compare to keep yourself on point and it’s nice to be able to look in the fridge and pantry to see what you already have
It’s the little things great ideas Lydia thanks !
I looked back at what we were spending at Dollar General the last three months and was shocked!!! Just running in to pick up a couple things ended up buying more really added up. I had absolutely no idea! That will stop in 2020.
I think I mention to you , I'm trying to do a no spend year on anything that is not related to the house and house expenses. I did a no spend year the same year you did on close and still am not buying. I'm going to wear out shoes and clothes before I purchase another thing. I make my clothes trendy just by switching things up. I'm also going through the kitchen and getting rid of all those gadgets that I've been gifted that I never use. Anything gifted that I have not used I'm donating to Salvation Army. I want to at the end of this journey have more money, less things and more piece of mind. Does that make sense? I'm still posting on my posh all those bags of clothing I told you about. Some of my earrings yes will go back to sourcing but it will be from yard sales, American cancer society( they have great donors all sizes and dollar sales, they wash and steam all clothing, love that store for sourcing) and goodwill outlets. I'm not going crazy either. It's all so nicely organized on the cheap all of my supplies have been free, so I'm hoping I can accomplish all. 🙏🏼🙏🏼🙏🏼🙏🏼🙏🏼
I challenged myself to start the first 3 months of the new year and decade as Spend-Free!!! I have told several people so they can ask me about it and keep me legit!!!
Netflix can be split here between four users. Is that the same in the US? If you still wanted to keep it but wanted to save a little then you can split the cost. So we pay £3 per month for Netflix because we share with others.
If you have a smart tv you can download Pluto tv for free live tv
So true...
random question but what lip color are you wearing? it looks great!!
I cancelled Netflix also because I had watched all the same shows over and over plus it seems to keep creeping up in price . I heard on a money podcast to check into seeing if you can cancel like Netflix for a month and use Hulu then the next month pay for Netflix and just go back and forth each month so you have what you like but spread the money out. I am thinking about doing this Purflex and Frendly subscription. I am also making my own planner because though I really like a new planner I don’t use it to the fullest so I started around August searching for free printable to fill my planner. I am almost done with it but I think I will use a lot kore this year and the best thing is I haven’t spent a penny to get it... okay I have instant ink so I spent that but I have taken that subscription down a little too.
"By the time Monday rolls around you have no more money."
Yes! That's such a vicious cycle! You're broke so when you finally get paid you go on a spending spree....and then you're broke.....
I totally love Netflix, and my brother is kindly paying for it, and lets me borrow so no expense there. Well he lives in a flat that belongs to me for half price... we help each other in lots of ways. I have always wanted to sign up for audible but bo way I am spending 10$ a month for reading... I always get my ebooks for free. But I have cut my houskeeper (needed her during a long disease but not so much now) and send that mony straight to saving. I make a budget with my bills, needs and an allowance so I know how much I can save each month and I set an order for the bank to transfer that amount into savings. Sometimes I need to use that money again when something happens but most of the time it is just relaxing and watching it grow. That way I got to pay my apartment in cash!
Hi friend! Back on track, need my LS boost.
Happy New Year!!! 🤙🏼💞💕💞🤑🙏🏻
Lol. 🤣
I am GOING TO LAY OFF QVC and HSN. I spent way too much in the last quarter of 2019.
I cancelled Amazon bc once I looked into it and what I didn't saved it was crazy how much I spent for just having amazon..we didn't use the movie or music it was just to get free shipping and not worth it..and now I can't stop and click..Happy New year
I bindge on Grays anatomy every June! Lol thanks for as always your amazing content darling.
I think that money can be a round trip for me from London to Los Angeles.
We have Netflix, but I just realized we have a free Roku channel
This year I am going to save half my yearly income. I know it will be hard but I actually think I can do it 😰 can you please do a video on things that give you points or money back please
Sure.
In recommend fetch rewards ;)
Sophia Arias I have Fetch but most of the stores I go to don’t have a barcode, any ideas of how I can still use the receipts.
52 week challenge. So many variations out there. Last year I did the original one with a savings of just under $1400 and it wasn't that bad! This year I'm trying the $3000 dollar challenge. EEEK! If I don't make it, I'll jump back to the regular one at whatever week I'm at so at least I will have saved extra money. It's definitely hard because I still put aside the same amount every month that I always have, and I do have to give up some things, but totally worth it in the end.
I need to work on the subscription devices I have for my business. They are out of control.
It happens fast.
I was able to save $1,560 a year by Cutting out Netflix, Hulu , and Gym. Leaving AT&T for Straight Talk and lowering my internet GB.
😀I love mama doctor Jones.
I canceled my amazon prime subscription this morning around 3am when I couldn't sleep. That was our only subscription. Last year we had hulu for 99 cents a month. But when that promo ran out and went to $5.99 I canceled it bc we never use it.
I cancelled mine too. That next day delivery was a big trigger to me to spend.
@@claudiajimenez3910 yes. I know what you mean
Claudia Jimenez same! But I was noticing certain things I needed weren’t next options, and I could pick them up at the store.
Have you tried PureFlix? It’s all good family videos. Christian based videos as well.
my "small" actionable step isn't for the purpose of saving money, but is having my girlfriend move into my super low cost home with me, thus reducing my home-related expenses by about half, and increasing how much I can have in savings by almost three times what it is while I live alone, so the money I will save on home related expenses will naturally be going straight into savings. also, idk if you recall, last year when my income went up at the start of the new financial year, I set it up so the amount it increased by went straight into savings. I have not missed the income increase, so when it increases again this coming financial year, I will set it up so that THAT increase goes into savings too!
$782 is a roundtrip ticket to lovely Maui HawIi!
I thought the National Championship game was the 6th too. LOL Last year it was the Monday after New Year's. However I was corrected that it is the 13th. SO hope you didn't cancel!!!! LOL
No I didn’t cancel it my husband informed me I was wrong
@@TheRealLydiaSenn I thought it was the 6th because I had pics in my TImehop from the 6th last year. LOL Then I found out this year it was the 2nd week. Who are you for? I am a BAMA girl so I don't really care this year. :(
Oh I don’t care about any of them. But my husband just loves college i
I don't have netflix but i do have amazon prime and i really think when it comes up for renewal, i am going to let it drop. (I set it to remind me in advance.) I had started a sinking fund for it this year and ugh, it just aggravates me to think of putting money in there instead of like my car repair/maintenance fund. I survived without two day shipping in the past. I can do it again. :)
Oh my gosh. 🤦 I want to cut out subscriptions/ entertainment. Not Netflix.... I am not a monster. 😜 But we have a bunch of movie channels that are subscribed to in addition to Netflix and Hulu and Amazon prime. Plus we have regular cable. the husband isn't on board with us cutting that so I need to find a nice way to just pick a couple so that we don't have an insane amount of money you going to entertainment. Like we probably have 350 going to movies and shows each month. I don't even know the exact figure. I grew up with five channels on my tv. I'm perfectly fine not having a bunch of stuff the kids definitely likes her shoes but even if we went down to internet only they could still watch stuff. Hopefully I can get the husband on board someday.
Need help with Internet providers!! I'd love to cancel my Cable/internet subscription, but I don't know a good quality internet provider. HELP!!!
Yes. Im not really using Netflix. Its got to go!
When you subscribe to sling or audible again, will you change the auto deposit amount or will you keep it the same?
I don't know. I'll have to go back in and reevaluate the budget.
Love your videos!
Thank you
Good advice. And btw you look very pretty 😊
Thanks so much for sharing love your channel! Your hair looks awesome too! Different color? Makes your eyes pop! Would you be willing to share in a video about starting your you tube channel? Would luv to share our journey too im so inspired by everyone in the debt free community but nervous about trying it out.
Ashley McDaniel do it! And keep at it, even if nobody watches, in the beginning.
@@pink5345 thanks for the encouragement do you have one?
@@ashleymcdaniel6188 Yes, I do. I just started and it's called Ten Thousand Days of Gratitude
Love me some Momma Doctor Jones!!
She’s awesome
I cancelled so much! I have almost $1200 in savings for the year. MY HUGE goal is not buying for my classroom! That is up to $800.00 so far and I haven't hit all my receipts!
Thank you ♡
Thank you
A while back I realized I was paying $10/month for Kindle Unlimited yet I wasn't reading much so I cancelled it :)
Netflix is such a horrible evil company.. we were literally just watching the office and parks and rec too! So we bought the office and cancelled it!
Parks and Rec is on Amazon prime
I canceled Hulu, we hadn’t even been watching so I was wasting 13.00 a month.
Thank you for shering your video from Michelle Australia
How are you with the fires??
@@TheRealLydiaSenn thank you asking we are safe where we live. We need rain where we live as we Don,t have any water on our dam or tank water.
Who is going to create the app that auto cancels subscriptions after a trial period?
You! Do it.
Don't eat out,
Won't do Instagram
Don't have Netflix.
Only spend 5dollars max at opshop,
So give me more clues.
You’re doing the best you can with what you have. It sounds like you need to increase your income. I know that sounds frustrating but if there is no extra, there is just no extra.
What is opshop?
@@embooth7106 opportunity store.
In Australia we call them op shops. I'm in a small country town and with out a car,, so I op shop.
@@embooth7106 thrift store I think they called in the states, love op shopping!
I watch mama dr Jones too.